Personally my philosophy is just spend, spend, spend ... and when it's all gone stop ... and then wait until there is more ... and then spend, spend, spend ... and when it's all gone stop ... then spend, spend, spend and then stop and then wait until there is more ... and then spend, spend, spend ... and on and on it goes.
It works for me. I am the happiest man in the world, I have ticked boxes I didn't even know existed, but I would not recommend it for everyone ...